Hmm, here are points of interest and my opinion:
1. Pabuntis? - ayaw, you will become like the parents: making there/your child or unborn child the solution to the problem. you dont want to be like that, right? Pabuntis if you both want to have a child, not as a solution.
2. Parent's utang? - not your problem nor your GF's problem. You can help pero ultimately that is their problem to solve. I have a daughter and i will never ask her to pay for my debts. NEVER. I can ask for her help. She can say no and i wont take it against her, even if it means losing all the material things i acquired over the years. But that is me. If the parents are like that then they deserve to loose their home for even thinking that way about their daughter. Akong parents dont want me to marry my wife because of their utang too. There are so many solutions, you just have to force them to think.
3. Check the bank sa utang nila? - cant do that. banks dont disclose that kind of info. or else i'll sue the bank myself.
4. Pray nga malunod ang boat? - ayaw. Never pray that something bad will happen to other people. Please.
5. Live in (semi or not)? - So what? I did that for years and now we are happily married for so many years. I dont know about you but that worked for us.
6. Forced marriage? Is not allowed by law and can be used against them.
7. secret marriage? Legal age without the need of parent's consent is 25 and above. My wife and I did that at age 26. Neither our parents knew. 4 months later, with a preggy wife, they were angry at first, yeah, but now they are always inviting us for dinner in their house.
summary: fight like manny fights other champions and francis magalona fights cancer! if you really do love her, fight. win like manny or die trying like francis M.